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FICARE Rates & Review April 2026

Q: Is FICARE a safe place to deposit money?

Yes, FICARE is considered a safe financial institution. With a Texas Ratio of 4.0533269757736%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

Q: How many branches does FICARE operate?

FICARE currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join FICARE?

Yes, to access services at FICARE, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, FICARE does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, FICARE provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 19, 2026

You can compare FICARE rates to other rates in our database, including 12-month share certificate rates currently at 1.00%, 6-month share certificate rates at 0.10% and 3-month share certificate rates at 2.02%. Savings rates are at 0.12% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.14%. All these rates can be compared to FICARE rates. MonitorBankRates evaluates the financial stability of FICARE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.05%. Rates were last updated on 04/19/2026.

FICARE money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at FICARE? Share your experience about FICARE by leaving a review below, or read customer reviews before you decide to use FICARE.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.05%

Excellent Lower than avg

Farmers State Bank of Medora
Wesley Chapel Branch

26644 Silver Maple Pkwy
Wesley Chapel, FL 33544

http wwwficarefcuorg

Current Rate Availability

We do not have FICARE rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for FICARE is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather FICARE rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with FICARE's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name FICARE

Website http wwwficarefcuorg

Address 26644 Silver Maple Pkwy, Wesley Chapel, FL 33544

Phone 813-600-5920

Fax

President Thomas Garthwaite

CEO Denelle Miller

Full-Time Employees 25

Part-Time Employees 1

Branch Locations 5

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.05%

Return on Assets (ROA)

0.1288%

Return on Equity (ROE)

1.0158%

Non-Performing Loans Ratio (NPL)

0.82%

Total Assets

80,371,611

Total Amount of Shares and Deposits

68,567,355

Total Shares and Deposits < 1 Year

63,745,929

Total Shares and Deposits 1 3 Years

4,328,191

Total Shares and Deposits > 3 Years

493,235

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

4,371,654

Total Uninsured Shares and Deposits > $250K (F+J)

4,371,654

Total Insured Shares and Deposits > $250K (item 17 less item K)

64,195,701

Total Interest Expense (Sum of items 6 8)

441,830

Share Certificates

329

Number of Accounts for Share Drafts

6,704

IRA KEOGH Accounts

Number of Accounts for Regular Shares

10,928

Money Market Shares

103

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,323,498

Total Liabilities

69,207,786

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About FICARE

Is FICARE a safe place to deposit money?

Yes, FICARE is considered a safe financial institution. With a Texas Ratio of 4.0533269757736%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does FICARE operate?

FICARE currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join FICARE?

Yes, to access services at FICARE, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, FICARE does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, FICARE provides members with tools to manage their accounts and build a solid financial history.

Does FICARE offer online and mobile banking?

Most modern institutions like FICARE provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http wwwficarefcuorg.